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Ally Financial ALLY Q4 2025 Annual earnings

Reported January 21, 2026 · Before market open

Revenue$2.1BMiss by $21.0M
EPS$1.09Beat by $0.08
Revenue estimate$2.1B
EPS estimate$1.01

Next report

Oct 16, 2026 (in 2 months)
Revenue estimate$2.3B
EPS estimate$1.43

Financials

Q4 2025

Income statement

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Revenue$2.1B+4.8%
Net income$327.0M+203%
EPS (diluted)$0.96+269%

Balance sheet

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Cash & equivalents$11.8B+3.8%
Total debt$23.4B+45.8%
Total equity$15.5B+11.5%
Total assets$196.00B+2.2%

Cash flow

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Operating cash flow$640.0M-32.7%

Valuation & ratios

Valuation

as of 12/31/25
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Market cap$13.95B+27.1%
Enterprise value$25.52B+63.3%
P/E16.4×-0.1×
P/S1.8×+0.4×

Profitability

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Net margin10.8%+2.6pp

Returns & leverage

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Return on equity5.8%+1.0pp
Debt / equity1.5×+0.4×

Segments

By product

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Noninsurance contracts$242.0M-0.4%
Remarketing fee income$26.0M+8.3%
Brokerage commissions and other revenue$21.0M0.0%
Banking fees and interchange income$5.0M-58.3%
Brokered/agent commissions$1.0M-80.0%

By segment

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Automotive Finance operations$1.4B-1.6%
Insurance operations$426.0M+12.4%
Corporate Finance operations$142.0M-4.1%

FAQ

When did Ally Financial report Q4 2025 earnings?
Ally Financial (ALLY) reported Q4 2025 earnings on January 21, 2026 before market open.
What were Ally Financial's Q4 2025 revenue and EPS?
Ally Financial reported revenue of $2.1B and eps of $1.09 for Q4 2025.
Did Ally Financial beat estimates in Q4 2025?
Revenue missed the consensus estimate of $2.1B by $21.0M. EPS beat the consensus estimate of $1.01 by $0.08.
How did Ally Financial's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue declined 5.2% from $2.2B a year earlier and eps grew 39.7% from $0.78.
Where can I find Ally Financial's Q4 2025 SEC filings?
You can read the 8-K earnings release (0001193125-26-017242) and the 10-K periodic report (0000040729-26-000005) directly on SEC EDGAR. The filing index links above go to sec.gov.